Hebrew Free Loan Association of South Florida, Inc. To give people a chance to stand with dignity on their own two feet

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1 To give people a chance to stand with dignity on their own two feet OFFICERS CEO/Board President Andrew Weinberg CFO Glenn Gopman, CPA Vice President Sydell Howitt Recording Secretary Renee Lopez-Cantera Office Administrator Steve Schraer BOARD OF DIRECTORS Shelley Epstein Kerry Ezrol Chaim Plewinski Claire Plewinski Eva Mishkoff Gilda Steiger COMMUNITY PARTNERS Greater Miami Jewish Federation Jewish Federation Jewish Family Service Services of South Florida Michael-Ann Russell Center Jewish Education Loan Fund of Atlanta (JELF) Hebrew Free Loan Association of South Florida, Inc. P.O. Box Miami, Florida Phone: (305) Fax: (305) Dear Applicant: Please carefully review the HFLA Loan Application Information and Requirement page before completing the application. It is also recommended you call our office to speak with a loan administrator prior to submitting the application. We require that the applicant must be Jewish and a resident of the South Florida (Tri County area) for at least one (1) year prior to the application date. All co makers (co signers) must be a State of Florida resident for at least one year prior to the application date. All co signers MUST be Jewish. They must have United States Citizenship or be Permanent residents. The information page and required forms are self explanatory and must be filled out completely and legibly and received by HFLA prior to the processing of any and all requests for financial assistance. Once we receive the completed application forms, it will take approximately 3 5 days to process the loan and to determine if we can grant the requested loan. The process will include: checking the credit standing of the applicant and guarantors; verifying the applicant s employment and salary; having a valid local checking account for loan repayment; and speaking with the prospective guarantors to confirm their understanding of their obligations in being a co signer to a loan provided by the Once we approve your co makers (co signers), we will then send out two copies of the promissory note for both the borrower and co signers signatures, and we will schedule a suitable time for an interview with our Loan Committee. Upon final approval by the Loan Committee, the Hebrew Free Loan will be disbursed. Our required form of repayment is with post dated checks that you will provide, along with the signed promissory notes. Should you have any additional questions, please do not hesitate to contact us at Sincerely, The is a member of the International Association of Hebrew Free Loans and is a registered 501c3 non profit in the State of Florida. Our office is located at the Michael Ann Russell Center.

2 To give people a chance to stand with dignity on their own two feet OFFICERS CEO/Board President Andrew Weinberg CFO Glenn Gopman, CPA Vice President Sydell Howitt Recording Secretary Renee Lopez-Cantera Office Administrator Steve Schraer BOARD OF DIRECTORS Shelley Epstein Kerry Ezrol Chaim Plewinski Claire Plewinski Eva Mishkoff Gilda Stiger COMMUNITY PARTNERS Greater Miami Jewish Federation Jewish Federation Jewish Family Service Services of South Florida Michael-Ann Russell Center Jewish Education Loan Fund of Atlanta (JELF) Hebrew Free Loan Association of South Florida, Inc. P.O. Box Miami, Florida Phone: (305) Fax: (305) LOAN INFORMATION AND REQUIREMENTS The repayment period available on any loan provided by the HFLA is up to twenty four (24) Months based on the loan amount of up to $4,000. Repayment must be made with posted checks. All applicants must be Jewish and a resident of the South Florida (tri County area) for at least one (1) year prior to the application date. Applicants must provide the HFLA with two (2) qualified co signers for each loan. All co signers must be Jewish and a State of Florida resident for at least one (1) year prior to the application date. All co signers MUST be U.S. citizens or Permanent residents. HFLA will consider no more than (1) family member (not living in the same household as the applicant) to act as a co signer to any loan. Applicants must be gainfully employed or have a verifiable means to repay loan. Persons who currently have a loan with the HFLA may not be a co signer to any loan. A qualified co signer is a person who has the financial ability to repay the loan if the borrower defaults. Co signers are jointly and severally liable for the loan repayment. Professionals working in the Jewish community, i.e., Rabbis, Cantors, Jewish agency executives, etc., may not be co signers. These individuals tend to have high visibility in the community and are often requested to be co signers of loans. This rule, therefore, exists for their protection and benefit. No person in active military service may be a co signer. Any person acting as a co signer is not eligible for a loan from the HFLA until the loan on which he has guaranteed has been paid in full. The HFLA reserves the right to contact any and all co signers as it deems necessary. The applicant and co signers will have a credit report performed via Microbilt, Inc., in order to determine credit worthiness. Valid copies of State of Florida drivers licenses must be provided by both the applicant and the co signers. The Promissory Note states that in the event of a default, the co signers are liable for the loan, jointly and severally. HFLA would expect the co signers on the note to share equally in the responsibility of repayment of the loan. However, each co signer is liable for the full amount and, as such, would be called upon to repay the total balance due in full in the event a default occurs. HFLA understands that all information it requests and receives is strictly confidential. The is a member of the International Association of Hebrew Free Loans and is a registered 501c3 non profit in the State of Florida. Our office is located at the Michael Ann Russell Center.

3 LOAN APPLICATION FORM Loan Amount Requested: $ Date: / / Borrower s Name: Maiden Name: Home Address: City:, Florida ZIP: Residing at Address Since: Florida Resident Since: Relocated From: Own Rent Home Telephone: Cellular: Social Security #: FL Driver s License #: Date of Birth: / / Are you a U.S. Citizen or Permanent Resident? Please underline Migrated From: Residing in the U.S. Since: Occupation: Employed Since: Employer: Address: City:, Florida ZIP: Employer Telephone: Annual Gross Salary: $ Annual Monthly Salary: $ Previous Occupation: Previous Employer Dates of Previous Employment: Marital Status: Single Married Divorced Separated Widow(er) Spouse s Name: Spouse s Maiden Name: Spouse s Occupation: Employer: Purpose of Loan: From what income will you repay this loan? Bank: Location: Acct #: I/We have read and understand the above paragraphs and, to the best of my/our knowledge, the information I/we have provided is truthful and accurate. Applicant s Signature: Date: / / The undersigned hereby consents and authorizes the Hebrew Free Loan Association of South Florida, Inc. to contact Microbilt Corporation for a current credit report and to update this report as deemed necessary. Applicant s Signature: Date: / /

4 CO-SIGNER APPLICATION FORM (1 of 2) Date: / / Borrower s Name: Co Signer s Name: Home Address: City:, Florida ZIP: Own Rent Residing at Address Since: Florida Resident Since: Home Telephone: Cellular: Social Security Number FL Driver s License #: Date of Birth: / / Are you a U.S. Citizen or Permanent Resident? Please underline Relationship to Applicant: Occupation: Type of Business: Employer: Address: City:, Florida ZIP: Employer Telephone: Bank: Location: Acct #: I/We have read and understand the above paragraphs and, to the best of my/our knowledge, the information I/we have provided is truthful and accurate. Co Signer s Signature: Date: / / The undersigned hereby consents and authorizes the Hebrew Free Loan Association of South Florida, Inc. to contact Microbilt Corporation for a current credit report and to update this report as deemed necessary. Co Signer s Signature: Date: / /

5 CO-SIGNER APPLICATION FORM (2 of 2) Date: / / Borrower s Name: Co Signer s Name: Home Address: City:, Florida ZIP: Own Rent Residing at Address Since: Florida Resident Since: Home Telephone: Cellular: Social Security Number FL Driver s License #: Date of Birth: / / Are you a U.S. Citizen or Permanent Resident? Please underline Relationship to Applicant: Occupation: Type of Business: Employer: Address: City:, Florida ZIP: Employer Telephone: Bank: Location: Acct #: I/We have read and understand the above paragraphs and, to the best of my/our knowledge, the information I/we have provided is truthful and accurate. Co Signer s Signature: Date: / / The undersigned hereby consents and authorizes the Hebrew Free Loan Association of South Florida, Inc. to contact Microbilt Corporation for a current credit report and to update this report as deemed necessary. Co Signer s Signature: Date: / /